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How to Quickly Settle Claims After Flood Damage


Take the time to re-evaluate your homeowners insurance coverage. For example, was your home adequately insured? Did you have replacement cost coverage for your personal property? Talk to your insurance agent or company representative about possible changes.


Source: Insurance Information Institute

With the recent flooding happening in Louisiana from the overflow of multiple rivers, now's probably a good time to remember to check up on your flood and homeowners insurance policies. Since we here in Florida live in a low-lying area, flooding is something that we need to at least consider.

Some early questions to ask your insurance agent after a disaster—like a flood—has hit:

  • Is the damage is covered under the terms of my policy?
  • How long do I have to file a claim?
  • Does the cost of my claim exceed my deductible*?
  • How long will it take to process my claim?
  • Is there a way I can get estimates for repairs?
*a deductible is the amount that you have to pay out of pocket in order for your insurance company to pay the claim. It's like a doctor's co-pay.

Also, if you do have a claim from a storm, or other incident—like a flood—make sure to take plenty of pictures of the damage, keep receipts of any repairs that you have done, and follow the advice that your insurance agent will give you. Remember, your insurance agent is your guide through the sometimes confusing and murky waters of the insurance world.


Written by Tyler Small on Wednesday, August 24, 2016